The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$14,504
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,956
−HK$458/mo
Today · 4.125%
HK$15,414
baseline
▲ 0.50% · 4.625%
HK$16,352
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,828/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,136
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,569
−HK$439/mo
Today · 4.125%
HK$17,008
baseline
▲ 0.50% · 4.625%
HK$17,904
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,016/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,405
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,947
−HK$550/mo
Today · 4.125%
HK$18,497
baseline
▲ 0.50% · 4.625%
HK$19,622
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$36,994/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,363
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,883
−HK$526/mo
Today · 4.125%
HK$20,409
baseline
▲ 0.50% · 4.625%
HK$21,485
+HK$1,076/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$40,818/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,306
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,938
−HK$642/mo
Today · 4.125%
HK$21,580
baseline
▲ 0.50% · 4.625%
HK$22,893
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,160/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,591
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,196
−HK$615/mo
Today · 4.125%
HK$23,811
baseline
▲ 0.50% · 4.625%
HK$25,066
+HK$1,255/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,622/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,108
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,920
−HK$825/mo
Today · 4.125%
HK$27,745
baseline
▲ 0.50% · 4.625%
HK$29,434
+HK$1,689/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,490/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,045
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,824
−HK$790/mo
Today · 4.125%
HK$30,614
baseline
▲ 0.50% · 4.625%
HK$32,228
+HK$1,614/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,228/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,091 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).